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Collections Officer Jobs (NOW HIRING)

American First Credit Union

Loss Mitigation Officer 1

Brea, CA · On-site

$24.35 - $36/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

We are a $1 Billion financial institution located in Orange County looking for Collections Officer with excellent customer service skills, initiative and a desire to work in a team setting. Position ...

American First Credit Union

Loss Mitigation Officer 1

Brea, CA · On-site

$24.35 - $36/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

We are a $1 Billion financial institution located in Orange County looking for Collections Officer with excellent customer service skills, initiative and a desire to work in a team setting. Position ...

F&M Bank

Overdraft Administrator

Swanton, OH

Internally this position involves extensive contact with account officers and collectors regarding ... Process External Collections Statements Monthly * Extract Reports and Review Auto Charge off ...

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How much do collections officer jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for collections officer in the United States is $23.26, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $29.57 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a collections officer, and why are they important?

To thrive as a Collections Officer, you need a solid understanding of debt collection practices, financial regulations, and strong numerical skills, often supported by a background in finance or business administration. Familiarity with collections management software, CRM systems, and regulatory compliance tools is typically required. Excellent negotiation, resilience, and interpersonal communication skills help Collections Officers engage effectively with clients and resolve payment issues. These skills ensure effective debt recovery, maintain customer relationships, and uphold organizational financial health.

What does a collections officer do?

A Collections Officer is responsible for recovering outstanding debts from individuals or businesses on behalf of a company or financial institution. They contact debtors via phone, email, or letters to negotiate repayment plans and ensure payments are made on time. Collections Officers also maintain records of communications, follow up on overdue accounts, and may escalate unresolved cases to legal teams. Their goal is to minimize financial losses while maintaining a professional and respectful relationship with clients.

How does a collections officer typically collaborate with other departments to resolve outstanding accounts?

Collections Officers frequently work closely with customer service, sales, and finance teams to resolve outstanding accounts. They may coordinate with customer service to clarify account discrepancies or payment issues and work with the sales team to understand client history and maintain positive relationships. Regular communication with the finance department is also essential for updating payment records and ensuring compliance with company policies. This cross-functional collaboration helps Collections Officers effectively address payment concerns while preserving customer relationships.

What is the difference between Collections Officer vs Credit Analyst?

AspectCollections OfficerCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentFinancial institutions, debt collection agencies, banksBanks, lending companies, financial services firms
Employer & Industry UsagePrimarily in debt recovery and customer service rolesInvolved in assessing creditworthiness and loan approvals
Common Search & Comparison IntentUnderstanding roles in debt collectionEvaluating credit risk and financial analysis

While both roles operate within the financial sector, a Collections Officer focuses on recovering outstanding debts and managing delinquent accounts, often requiring strong communication skills. A Credit Analyst assesses the creditworthiness of individuals or businesses to inform lending decisions, typically requiring analytical skills and financial knowledge. Both roles are essential in financial institutions but serve different functions in credit management.

What is a collections officer?

A collections officer collects debts on behalf of a company or organization. As a collections officer, you work with delinquent accounts and attempt to collect payment from the debtors. You follow all legal processes necessary to collect the amount owed, which may include taking legal action against the borrower. Your job duties may require you to locate and contact the debtors and make personal visits to collect payment. Qualifications for this career include investigative experience and excellent negotiation skills.

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Collections Officer jobs near you
Infographic showing various Collections Officer job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, and 4% Part Time. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $48,388 per year, or $23.3 per hour.

Delinquency Officer (Collections) - Full-Time - Louisville, KY

L&N Federal Credit Union

Louisville, KY • On-site

Full-time

Re-posted 9 hours ago

Job description

Summary

Reporting to the Delinquency Manager, this full-time, non-exempt hourly role preserves the Credit Union’s assets by controlling delinquent loan accounts, collecting delinquent loan payments and/or recovering collateral. The Officer assists other Collectors as well as the Delinquency Manager in the daily operation of the Collections Department. This role works to prevent potential losses caused by returned checks and mismanagement of funds in accounts. The successful candidate leads by example to provide excellent customer service for Credit Union team members and members.

Essential Functions & Responsibilities

  1. Contact delinquent accounts by phone and mail; takes appropriate action to bring current. Make recommendations to the Delinquency Manager on accounts for workouts or legal action.
  2. Analyze financial situation of delinquent borrowers; makes recommendations to repossess collateral when other arrangements to bring the loan current are unsuccessful.
  3. Collect on all delinquent loans including, but not limited to, mortgages, VISAs, car loans and any outstanding loans with the Credit Union.
  4. Handle the process of returned checks.
  5. Work and oversee Loss Prevention for the department.
  6. Assist the other Collectors; work together with department to meet goals and standards.
  7. Inform management of trends in loan underwriting contributing to delinquent/charged-off loans.
  8. Practice confidentiality where indicated in employee matters and Credit Union operations.

Qualifications and Certifications

  • A High School Diploma or GED required.
  • 3 to 5 years of similar or related experience required.
  • Must have good communication skills, organizational skills, and be detail oriented.

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